<?xml version="1.0" encoding="UTF-8"?>
<!-- Generated by IRIS FinX -->
<!-- Created by IRIS Business Services Ltd -->
<!--
            Indian GAAP Accounting Taxonomy for Banks: 2009-06-30
            ********************** 
                                    
           ***************Role URI List for Banking *************  
                 -->
<xsd:schema targetNamespace="http://www.xbrl.in/in-gaap/2009-06-30/roles-bk" 
attributeFormDefault="unqualified" 
elementFormDefault="qualified" 
xmlns:xsd="http://www.w3.org/2001/XMLSchema" 
xmlns:in-roles-bk="http://www.xbrl.in/in-gaap/2009-06-30/roles-bk" 
xmlns:link="http://www.xbrl.org/2003/linkbase" 
xmlns:xbrli="http://www.xbrl.org/2003/instance" 
xmlns:xlink="http://www.w3.org/1999/xlink">
  <xsd:annotation>
    <xsd:appinfo>
      <link:roleType roleURI="http://www.xbrl.in/in-gaap/2009-06-30/role/BalanceSheetforBanks" id="BalanceSheetforBanks">
        <link:definition>Balance Sheet for Banks</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.xbrl.in/in-gaap/2009-06-30/role/ChangesinReservesandSurplusforBanks" id="ChangesinReservesandSurplusforBanks">
        <link:definition>Changes in Reserves and Surplus for Banks</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.xbrl.in/in-gaap/2009-06-30/role/BalanceSheetadditionalcalculationsBylocation" id="BalanceSheetadditionalcalculationsBylocation">
        <link:definition>Balance Sheet additional calculations - by location</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.xbrl.in/in-gaap/2009-06-30/role/BalanceSheetadditionalcalculationsBytype" id="BalanceSheetadditionalcalculationsBytype">
        <link:definition>Balance Sheet additional calculations - by type</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.xbrl.in/in-gaap/2009-06-30/role/IncomeStatementforBanks" id="IncomeStatementforBanks">
        <link:definition>Income Statement for Banks</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.xbrl.in/in-gaap/2009-06-30/role/CashFlowStatementforBanks" id="CashFlowStatementforBanks">
        <link:definition>Cash Flow Statement for Banks</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.xbrl.in/in-gaap/2009-06-30/role/AccountingPoliciesandDisclosuresforBanks" id="AccountingPoliciesandDisclosuresforBanks">
        <link:definition>Accounting Policies and Disclosures for Banks</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.xbrl.in/in-gaap/2009-06-30/role/DisclosureasperRBIGuidelinesforBanks" id="DisclosureasperRBIGuidelinesforBanks">
        <link:definition>Disclosure as per RBI Guidelines for Banks</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.xbrl.in/in-gaap/2009-06-30/role/QuarterlyFormatClause41Banks" id="QuarterlyFormatClause41Banks">
        <link:definition>Quarterly Format as per Clause 41 for Banks</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>        
    </xsd:appinfo>
  </xsd:annotation>
  </xsd:schema>
